Compare Savings vs. CDs
Comparison of Deposit Account from OSHKOSH COMMUNITY with 1.14% - April 2025


Long-Term Analysis of McGehee Bank with 0.25% APY and OSHKOSH COMMUNITY with 1.14% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    0.25%
    -
    $50,000
    6 Month
    Bank
    0.62x (National Avg. - 0.41%)
    $10,000
     
    SCENARIO
    Year Rate
    0.25%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    1.14%
    -
    $50,000
    18 Month
    Credit Union
    1.97x (National Avg. - 0.58%)
    $100,000
     
    SCENARIO
    Year Rate
    1.14%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 570 399
    2 50,570 576 404
    3 51,146 583 408
    4 51,730 590 413
    5 52,319 596 418
    6 52,916 603 422
    7 53,519 610 427
    8 54,129 617 432
    9 54,746 624 437
    10 55,370 631 442
    11 56,001 638 447
    12 56,640 646 452
    13 57,286 653 457
    14 57,939 661 462
    15 58,599 668 468
    16 59,267 676 473
    17 59,943 683 478
    18 60,626 691 484
    19 61,317 699 489
    20 62,016 707 495
    TOTAL $12,723 $8,906

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.15% on March 22.

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    Last change: ↓0.15% on January 25.

    Last change: ↓0.50% on February 25.